St. Louis County property record for 5524 W 8th St, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,040 sqft · built 1924 |
| Lot Size | 0.071 acres (3,127 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $206,000 (Aug 2025) |
| Tax Bill | $1,554 (2026) |
| Deeds & Mortgages | Jun 2021 Mortgage Apr 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-4520-12410 |
| Primary APN | 010-4520-12410 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,040 sqft Gross Area |
| 1st Floor Area | 520 sqft |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 3,127 sqft (0.071 acres) |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 140 sqft |
| Deck Area | 128 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1186483 |
|---|---|
| Street Address | 5524 W 8TH ST |
| City | DULUTH |
| State | MN |
| Zip | 55807-1321 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0008 BLOCK:090 SERIAL # |
| Legal Subdivision | WEST DULUTH 6TH DIV |
| Legal Block | 90 |
| Legal Lot Number | 8 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 3000 |
5524 W 8th St is owned and occupied by two individuals who bought it in August 2025.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5524 W 8TH ST, DULUTH, MN 55807-1321 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC |
| Apr 12, 2019 | Warranty Deed, Transfer · Conventional with PMI SERVION INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2025 · Amount on File |
| Deed Sale | Aug 14, 2025 · Amount on File |
| Prior Sale | Apr 12, 2019 · Amount on File |
| Deed Document Number | 20251093145 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5524 W 8TH ST, DULUTH, MN 55807-1321 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001042966 |
|---|---|
| Date | Jun 29, 2021 |
| Instrument | 1042966 |
| Name | HOMEOWNERS FINANCIAL GROUP USA LLC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85254 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Apr 12, 2019 |
| Property Address | 5524 W 8TH ST, DULUTH, MN 55807-1321 |
| Document Number | 0001009409 |
| Instrument Date | Apr 10, 2019 |
| Instrument | 1009409 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2019 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $316.80 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5524 W 8TH ST DULUTH MN 558071321, DULUTH, MN 55807-1321 |
| Document Number | T1009410 |
|---|---|
| Date | Apr 12, 2019 |
| Instrument | T1009410 |
| Name | SERVION INC |
|---|---|
| Address | NEW BRIGHTON, MN 55112 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 11, 2049 |
The 2026 property tax bill for 5524 W 8th St was $1,554 with a homeowner's exemption, up 13.6% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,554.00 (+13.6%) Homeowner's exemption | ||
| 2025 | $1,368.00 (-6.94%) Homeowner's exemption | $156,600 (+21.02%) Land $8,100 Building $148,500 | $156,600 (+21.02%) Land $8,100 Building $148,500 |
| 2024 | $1,470.00 | $129,400 Land $8,600 Building $120,800 | $129,400 Land $8,600 Building $120,800 |
| 2022 | $100,600 Land $7,900 Building $92,700 | $100,600 Land $7,900 Building $92,700 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 5524 W 8th St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 24, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 5524 W 8th St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Duluth serves 86,859 people · EPA ID MN1690011 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2025 |
| Lead | 8 ppb (2023–2025) action level 15 ppb |
| Water Quality | Turbidity resolved · Oct 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 583 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Airfiber Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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